Discussions Of City Commercial Bank Internal Control Issues

City commercial banks,as the products of defusing local financial risks,bear important historical missions.With the continuous development of city commercial banks,this "light internal control and heavy scale" development strategy of city commercial banks will bring serious consequences for banks.In recent years,the various risk cases that have occurred in city commercial banks are the most effective proof.It requires city commercial banks to adjust their strategies in time,In view of the deficiencies in the internal control and risk management,we should supplement and improve them to make up for the defects in the internal control system of the bank and ensure that it can be in a sustainable development state for a long time.With the rapid development of China's economy,the banking industry of our country has also continued to grow and develop.In recent years,the development of city commercial banks is very rapid,and their overall scale has accounted for one-sixth of the overall size of China's banking industry.However,most city commercial banks have many problems left over from history,unclear market positioning,small scale,and unreasonable equity structure.In order to gain a higher market share and maintain the growth momentum of both operating income and net profit,city commercial banks mostly adopt measures like increasing business outlets,expanding business-coverage,adding credit placement and so on,while ignoring the construction of the internal control system of the bank.In recent years,China has put prevention and mitigation of financial risks at an important position.The China Banking Regulatory Commission and the Peoples Bank have increased their supervision and punishment of various banks,because it is uncommon to receive huge fines for violation cases.For city commercial banks,they are small in scale with a weak ability to take risks.The financial cases caused by the lack of internal control and risk control will not only cause direct economic losses to city commercial banks,but also will get severe penalties by the regulatory authorities and reputational risks.It is necessary for city commercial banks to make up for the defects in the internal control system,reduce the probability of risk,and provide guarantee for the further development of city commercial banksIn the process of analysis,this paper takes J City Commercial Bank as the specific object,and deeply analyzes the problems in internal control construction of J City Commercial Bank through case analysis,investigation method,literature research method,etc.According to the research design of "raising problem-analyzing problem-solving problem',the basic situation of J City Commercial Bank is introduced,and then analyzing the problems of internal control and the reason for the problem,and finding a solution to the problem and propose suggestions and opinions to improve the construction of the internal control system of J City Commercial Bank.This paper consists of six chapters.The first chapter describes the research background in detail,elaborates the research significance of the paper,introduces the ideas and research methods of the paper,summarizes the domestic and foreign literature research methods of the three aspects of the internal control of city commercial banks.The second chapter describes the theory of internal control of city commercial banks as a whole,mainly including three aspects,which are the specific content of internal control,the principles to be followed and the objectives to be achieved.,which is mainly an introduction to the city commercial bank and its internal control.The fourth chapter systematically analyzes the problems and causes of the internal control of J City Commercial Bank from the perspective of the five elements of internal control.In the fifth chapter,aiming at the problems existing in the internal control of J City Commercial Bank,the corresponding countermeasures are made to ensure that its internal control is at a relatively high level.The sixth chapter summarizes the above research results and draws research conclusions,and puts forward suggestions for the future internal control construction of city commercial banks based on the research enlightenment.In the process of analysis,based on the five elements of internal control,combined with the objective reality of internal control of J City Commercial Bank,this paper analyzes the commercial bank comprehensively and three dimensionally,finds out various problems in the construction of internal control of J City,and analyzes the fundamental factors that lead to these problems,so as to formulate more targeted response strategies,Improve the operation and management level of J City Commercial Bank,prevent violation cases and incidents,improve the internal control system,and operate healthily and steadily.The operation and management level of J City Commercial Bank should be improved to prevent violation cases and incidents,improve the internal control system,and operate healthily and steadily,and provide certain reference for the construction of internal control of city commercial banks.